FAQs

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FREQUENTLY ASKED QUESTIONS

We’ve put together some questions we are frequently asked to give you more information about Howden Sport Travel Insurance and the cover we offer. If you have a question that is not answered below please use the contact us page.

General

What activities do you cover?

Howden Sport Travel Insurance covers a very wide range of activities from Abseiling to Zorbing. Click here for activities we are able to cover. Should your activity not appear on the list please call us on 02392 419 039. We are open Monday to Friday 8am-6pm, closed Bank Holidays.

Can you cover groups?

We can cover groups of any number, with some qualifying for discounts of up to 20%.

For groups of 11 or more, please call us on 02392 419 039 (Monday to Friday, 8am to 6pm – except Bank Holidays).

Who is eligible for Howden Sport Travel Insurance?

The policy is available to people aged 69 years or under who are registered with a medical practitioner and permanently resident in the United Kingdom (England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man).

Is there an age limit?

Cover is available to people aged 69 years or under. If you are aged over 69 please call us on 02392 419 039. We are open Monday to Friday 8am-6pm, closed Bank Holidays.

An EHIC entitles you to reduced-cost, sometimes free, medical treatment that becomes necessary while you are in a European Economic Union (EEA) country or Switzerland. The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein and Norway. The card gives access to state-provided medical treatment only. Remember, this might not cover all the things you would expect to get free of charge from the NHS in the UK. You may have to make a contribution to the cost of your care. You may apply for an EHIC online at: www.dh.gov.uk/travellers or by calling 0300 330 1350. Please note: An EHIC is no substitute for travel insurance cover.

Can you resend my policy to me?

Yes. Please send us a message with your policy number (if known), the lead name and the address (for verification) and we will then resend the policy.

Can I get travel insurance if I have an existing medical condition?

Howden Sport Travel Insurance contains exclusions relating to your health and to that of other insured persons on the policy. You must refer to the ‘Important Conditions Relating to Health’ of your Insurance Policy. If you are travelling outside the UK and you answer YES to any of the Medical Screening Questions you must contact the Medical Screening Line on 02392 419 068. We are open Monday to Friday 8am-6pm, closed Bank Holidays.

Note: In some cases an additional premium may be payable if we are able to cover the declared medical condition(s).

Single Trip

What is the maximum duration?

The maximum duration of any individual trip is 6 months (although for persons aged 65-69 years the maximum trip duration is 3 months).

Can I increase the cancellation policy limit on Single Trip cover?

If you select Part B you will be covered up to £5,000 per person for travel, accommodation and pre-paid activity course fees should you find it necessary to cancel, curtail or abandon your holiday/trip. These limits cannot be increased. However, if you require top-up cover for cancellation for your travel or accommodation, please call Sport Travel Insurance on 02392 419 039. We are open Monday to Friday 8am-6pm, closed Bank Holidays.

What are the advantages of Annual Multi-trip travel insurance?

If you are making several trips a year, Annual Multi-trip cover is usually the most cost effective option. For a single premium you will be covered for any number of trips throughout the year up to a maximum of 60 days each trip.

Please note: a trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.

Annual Multi-trip

How many times can I travel and how long can each trip be?

The Annual Multi-trip policy covers you for an unlimited number of trips throughout the year up to a maximum of 60 days each trip.

Please note: a trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.

Am I covered for trips in the UK?

Trips in the UK, Channel Islands and the Isle of Man are covered.

A trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.

If I am abroad can I extend the 'maximum duration any one trip' limit provided by my Annual Multi-trip policy if I decide to stay longer?

No, we are unable to extend cover beyond the maximum duration limit.

What is family cover?

A family premium is available for Annual Multi-trip cover, for you and your husband/wife/civil partner or partner who are aged 64 years or under at the time of purchasing the policy (and have co-habited for at least 6 months), plus your unmarried, dependent children (including fostered or adopted), all aged under 18 years at the time of purchase of the policy. Independent travel allowed by you and your husband/wife/civil partner or partner but not your children.

Policy Options

Is there a limit for my activity equipment?

Part A includes cover for specialist Activity Equipment up to £1,000 per person with a single item limit of £600.

Can I increase the cancellation policy limit on Single Trip cover?

If you select Part B you will be covered up to £5,000 per person for travel, accommodation and pre-paid activity course fees should you find it necessary to cancel, curtail or abandon your holiday/trip. These limits cannot be increased. However, if you require top-up cover for cancellation for your travel or accommodation, please call Sport Travel Insurance on 02392 419 039. We are open Monday to Friday 8am-6pm, closed Bank Holidays.

Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills and arrange repatriation if required.

In the event of a medical emergency whilst abroad, do I have to pay my medical bills myself?

If you are asked to pay a small bill for medicines and/or outpatient treatment it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home.

If you are admitted as an inpatient then you must contact the 24 hour Medical Emergency Assistance Service as soon as possible. They will then arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic.

Making a Claim

We aim to provide a first class claims service and respond within 10 working days of receipt of correspondence.

Buying Online

How can I pay for my policy?

You can pay by debit or credit card. We accept Mastercard and Visa.

How will I receive my travel insurance policy documents?

Your policy schedule and policy documents are delivered to the email address you provide.

Do I need to take my policy documents with me?

Yes you should print a copy of your Schedule and Policy Documents and carry them with you.

The Policy Document includes important telephone numbers including the Medical Emergency Assistance Service that is available to you 24 hours a day, 365 days a year for advice, assistance and making arrangements for hospital admission, repatriation and authorisation of medical expenses.

Can I get my money back if I want to cancel?

If you are not completely satisfied with the cover provided you may return your policy to us within 14 days of the date of issue or recieveing the policy documents, whichever is later. Provided that you have not commenced your trip, no claim is intended or has been made, your premium will be refunded in full.